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When you receive a refund, look at your bill carefully.
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In addition to credit cards, the Senate committee report listed overdraft, debt collection, payday loans, and auto dealer lending as the consumer financial products and services warranting concern.
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This is because the FHA penalizes banks for making too many "bad loans" and verifications can cut down on defaults.
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Repairs might be frequent, but even if you estimate $2,000 worth of repairs in the first year, it still can be less expensive than a year of payments.
These practices are discussed in more detail in Market Concerns—Payments.
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Certain functions of Personal Internet Banking and the Mobile Banking app will be unavailable during this period.